Coronavirus (COVID-19)
We’re here to support you.

We understand you may be worried about the impact of coronavirus (COVID-19) and wanted to reassure you that we’re here to help you with any financial concerns you may have. 

For business banking customers, please click here.

Different ways for you to bank.

We want to make it as easy as possible for you to bank with us in a way that suits you. 

Please check the options below and if you're not already registered to use mobile, internet or telephone banking, we'd encourage you to set this up so you can continue to access your banking from home 24/7.

1. Use our mobile banking app and Internet Banking.  View our guides on how to set up mobile banking and Internet Banking.

2. Telephone support for those most in need. If you’re unable to find a solution online, you feel vulnerable or are in a situation where you need help today, then please contact us.


3. Use our new online chat service. This is our new secure way of answering your questions online. Just click the blue 'Need help? Chat to us' button on the right-hand side of this page to get started.

4. Contact your local branch if you’re in need of additional support or are facing financial difficulty. If you're unable to find the support you need online, you can contact your local branch directly - you'll find all the phone numbers in our branch locator. If you need to visit a branch in person please use the branch locator to check the opening hours before you set out. We’re following the latest government guidance and continue to apply social distancing in our branches.

5. You can also use your local Post Office® branch to pay in cash and cheques and check your balance, and if you have a current account with us you can also withdraw cash. For more information on branches and services available visit

Post Office® is a registered trademark of Royal Mail.

6. Support from friends or family. If you need help to manage your finances you can give a trusted family or friend access to your account. You can request this by completing this form or, if you’d rather speak to a TSB partner, calling your local branch.

Fraud awareness 

Criminals are using texts, emails and phone calls to scam people out of their money during the coronavirus outbreak. Here’s our Head of Fraud Ashley Hart with what to look out for. 

Find out more

Supporting your individual needs 

We're committed to tailoring our service to support your individual short and long-term needs. Here’s Carol Anderson our Director of Branch Banking with how to talk to us if you’re in need of additional support or are facing financial difficulty.

Find out more

Mortgage Repayment Holiday

Customers with a TSB mortgage may apply for a repayment holiday for up to three months. This shouldn't impact your credit score. Repayment holidays are subject to approval. If you take a repayment holiday, you will pay more interest overall. Find out if you are eligible on our Mortgage Repayment Holidays page.

For new customers joining TSB, mortgage advisers and brokers will work with customers and understand their individual position.


Current delays at Registers of Scotland due to coronavirus (COVID-19)

The current coronavirus (COVID-19) situation has meant that Registers of Scotland are unable to process applications to register house purchase and remortgage applications within their usual timescales.

To help transactions continue without delay, the Law Society of Scotland have agreed temporary changes to the usual processes which conveyancers in Scotland follow. We have agreed via UK Finance that we, as your lender, will support these temporary changes to avoid any unnecessary delay.

We understand that, even with the new processes in place, there may be some delay with remortgage completions. Please contact your conveyancer for further information on timescales.

Mortgage valuations have resumed in England

Valuers based in England are now able to travel and gain safe access to properties if they follow the Government guidance around social distancing. This applies to properties in England only, until current Government restrictions in Wales, Scotland and Northern Ireland are lifted. Wherever possible we will still try and undertake valuations without visiting people’s homes by using remote valuation technology.

Fixed Rate Bonds

Impacted customers holding Fixed Rate Bonds can close their accounts to gain early access to their money. Customers will also be able to access savings in Fixed Rate Cash ISAs and the early withdrawal charge will not apply during this period.  Please note, that if you do withdraw from your Fixed Rate ISA, you will lose the tax-free benefit on this amount.   


ATM Cards

If you hold an ATM card with your TSB savings account you can now withdraw cash (limit of £200 per day) at the Post Office using this card.

Credit limit increase

Customers can request an emergency credit limit increase. This will be subject to status and eligibility.

Credit card repayment holiday

If, due to COVID-19 impacts, you are struggling to make a payment to your credit card, you may be eligible for a 3-month credit card repayment holiday. This will be subject to eligibility.

To request a repayment holiday:

  • You need to be up to date with your credit card repayments or have missed no more than one payment.

  • The account should be held in your name.

  • You must not be in the process of making a credit card protection insurance claim.

If you have missed more than one payment to your credit card you will not be automatically eligible for a repayment holiday, please contact us on 0345 600 8972 to speak to one of our Partners.

We pride ourselves on being a responsible lender

Repayment holidays are only temporary and not intended to help solve longer term money troubles, so if you’re struggling to make your monthly repayments, please get in contact with us.  We have a range of options that may be able to help you.

Things to think about

  • Taking a repayment holiday may extend the length of time it takes to repay your credit card balance.

  • If you pay interest on your credit card balance we will continue to charge interest during the repayment holiday, which means you are likely to pay more interest overall.

  • Taking a payment holiday at this time will not be reported as missed payments on your credit file. However, please note that other factors may affect your credit file or your ability to obtain credit.

  • You can continue spending on your card up to your credit limit during the repayment holiday. If you go over your credit limit, you will be charged £12, which will be added to your credit card balance and this will have a negative impact on your credit record.

  • If you find you can make payments to your credit card during the repayment holiday please do so, this will not affect the rest of your repayment holiday term.

  • At the end of the holiday, you will need to start paying at least your monthly minimum payment again, as shown on your statement. The minimum payment amount will be higher than you would normally see because your interest will continue to be charged on your balance. It will also be higher if you spend on your card during the repayment holiday.

  • If we have written to you about Persistent Debt you are still able to request a repayment holiday.

  • You do not need to cancel your Direct Debit as we will not take the payment during the repayment holiday. However, if you have a payment due within the next 7 working days and are worried that you cannot afford this payment, please cancel the Direct Debit with your current account provider.  Please check with your provider whether you are able to cancel the Direct Debit, as sometimes this can’t be done if the payment date is soon, meaning it will still be taken. If you have a Direct Debit set up from a TSB current account, you would need to let us know the day before the due date of the payment.

  • If you have set up a standing order to pay your credit card you will need to cancel it during your repayment holiday.

How to request a repayment holiday

You will need to complete our online form which can be found by clicking on the button below.

We will aim to complete your request within 5 to 7 working days, excluding requests made after 4pm on weekdays or on bank holidays and at the weekend. We will email you to confirm whether your repayment holiday has been successful and when you’ll need to start making future payments again.

Check out our privacy policy at for information on how your data is used.


Cash machine withdrawals

Personal current account customers can now withdraw up to £500 from UK cash machines.

Changes to your existing Overdraft

In April, we made some changes to current account overdrafts to support you through the impact of the coronavirus, including introducing an interest free allowance of up to £500 and a lower interest rate on balances over this.

These temporary measures will end from 9 July 2020 onwards. The interest rate for all TSB Overdrafts will revert to 39.9% EAR, and your account will revert to its standard interest-free amount.

Apply for an Arranged Overdraft

Customers may apply for an Arranged Overdraft, or an increase to their Arranged Overdraft limit to provide short term relief on their outgoings. Overdrafts are subject to approval. The quickest and easiest way to apply is via Internet Banking.

Are you facing temporary difficulties with your finances?

If you have been directly impacted by Coronavirus and are facing temporary difficulty with your finances, we have a number of measures in place to support you:

  • You can request an extra three months interest free overdraft allowance of up to £500 and an overdraft interest rate of 19.84% EAR any time your overdraft goes beyond the interest free amount.
  • The three-month period starts when you’ve got our confirmation your request has been processed. When the three-month period ends, the interest rate for your TSB Overdraft will revert to 39.9% EAR. Don’t forget, your account will also revert to its standard interest free amount.

The travel insurance claims line is currently experiencing high call volumes. To allow us to prioritise customers, we are asking you to only call if you were due to travel within the next 7 days. Before making a claim, please ensure you have contacted your travel and accommodation provider to discuss a refund, as travel insurance only provides cover for your non-refundable costs.

Find out about our travel insurance and coronavirus (COVID-19) advice for travellers with a TSB Added Value Account.

Personal loan customers may apply for a repayment holiday to provide short term relief to their outgoings. Repayment holidays are subject to approval. If you take a repayment holiday, you will pay more interest overall. If you take a repayment holiday, your payments will be deferred, and you will pay more interest overall. Taking a payment holiday at this time will not be reported as missed payments for your credit file. However, please be aware that other factors may affect your credit file or your ability to obtain credit. There are two repayment holiday options available:

1.You can request a one month repayment holiday. You can request up to three consecutive one-month repayment holidays every rolling 12 months and you must be up to date with your payments.

The quickest and easiest way to apply is via internet banking. This way you will receive an instant decision and you can also check your eligibility before you apply. 

2.Request an extended repayment holiday for three consecutive months specifically to support any financial relief during the current COVID-19 lockdown. This option applies to customers that are both up to date with their repayments or have missed no more than one payment.

To request an extended repayment holiday, you will need to complete a repayment holiday request using the form on our Loan Repayment Holiday page. 

Please bear in mind you will not receive an instant response as it can take up to 2 working days to provide a decision

We understand that our customers may be worried about the impact of coronavirus (COVID-19) and want to reassure you that we’re here to help you with any financial concerns you may have.

1. Payment holiday
  • If you are struggling financially and need help, then you may be able to defer your monthly home insurance payment. This can be applied for 1 month at a time, for up to 3 months.
2. Amending your level of cover
  • Are you paying for elements of home insurance that you no longer need? TSB’s Pick and Protect home insurance allows you to add, remove and change the cover you need, as many times as you wish, and we do not charge a fee. We encourage you to regularly review your cover.
  • There may be additional cover which is now more important to you, such as accidental contents, as you are currently at home more? Cover can be changed or added at any time, you do not need to wait for your insurance renewal. We do not charge a fee to do this.
  • If you wish to cancel your home insurance policy, we do not charge a fee for cancellation of your insurance, and you are free to cancel or change your cover at any time. Before you do this, you should make sure this is the right thing for you to do. If you have a mortgage, it may be a condition of the mortgage that adequate buildings insurance is in place.
Call 0345 030 8799, if you wish to make changes to your home insurance policy
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